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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Nov 18, 2022

Mutual Fund Expert... more

Question by Donnie on Nov 18, 2022Hindi

Money

I am 43 years old. Currently I have a Mutual Fund Corpus of Rs 39 Lakh.

My SIP Monthly Investments are as follows:

1) HDFC Midcap Opportunities Fund Direct Growth- Rs 10,000/-

2) HDFC Small Cap Direct

Growth - Rs 5,000/-

3) L&T Emerging Business Fund Direct Growth - Rs 5,000/-

3) L&T MidCap Direct Growth - Rs 5,000/-

4) Mirae Asset Emerging Bluechip Fund Direct Growth - Rs 15,000/-

5) Mirae Asset SnP 500 ETF Fund of Fund - Rs 20,000/-

6) Tata Hybrid Equity Fund Growth - Rs 5,000/-

Total Monthly SIP is Rs 70,000/- but of late the Mirae Asset SnP 500 SIP is on hold by them.

My target is a corpus of Rs 10 crore on my retirement which would be at 60 years.

Kindly advice if I need to increase my SIP or change any plans.

Ans: In 17 years Rs. 70K can create a corpus of Rs. 6 cr

Rs. 39 lakh can grow up to Rs. 3.2 cr

Total of 9 cr.

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Users are advised to pursue the information provided by the rediffGURU only as a source of information to be as a point of reference and to rely on their own judgement when making a decision.

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Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Aug 04, 2020

Question by Sahil - Aug 04, 2020Hindi

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I have invested in below mutual funds via SIP from Jan 2018 and will continue the investment for another 12-13 years. I want to build a Retirement Corpus of 4 to 5 crores. My risk profile is Aggressive/Moderate and want a mix of Equity & Debt Funds. My current portfolio is as follows: 1) Aditya Birla Sunlife Focussed Equity Fund-Growth - 2000 per month 2) L & T Midcap Fund Cumulative - 2000 per month 3) Mirae Asset Large Cap Fund -Growth - 2000 per month 4) SBI Magnum Multicap Fund - Growth - 2000 per month 5) Sundaram Rural Consumption Fund Regular Growth - 2000 per month. 6) Axis Bluechip Fund G - Direct Plan - 2000 per month (This is only 5 Months Old SIP) Please suggest if i want to increase the current SIP amount of 12000 per month to reach the goal & if the above portfolio needs to be tweaked to better funds. SIP of Rs. 12K can build a corpus of Rs. 60 lakhs only in 15 years … for 4 to 5 crs , SIP amount needs to be Rs. 75000 to Rs. 100000

Name of the Fund	Category	RankMF Star Rating	Recommendations
Sahil Dhamija
1) Aditya Birla Sunlife Focussed Equity Fund-Growth - 2000 per month	Equity - Focused Fund	3	switch to Axis Focused 25 Fund - Growth
2) L & T Midcap Fund Cumulative - 2000 per month	Equity - Mid Cap Fund	3	Switch to - Dsp Midcap Fund - Growth
3) Mirae Asset Large Cap Fund -Growth - 2000 per month	Equity - Large Cap Fund	4	Continue
4) SBI Magnum Multicap Fund - Growth - 2000 per month	Equity - Multi Cap Fund	3	Switch to UTI Equity fund - Growth
5) Sundaram Rural Consumption Fund Regular Growth - 2000 per month.	Equity - Thematic Fund - Other	2	switch to Axis ESG Fund - Growth
6) Axis Bluechip Fund G - Direct Plan - 2000 per month	Equity - Large Cap Fund	3	Switch to UTI MasterShare - Growth

Omkeshwar Singh | Answer |Ask -Follow

Head, Rank MF - Answered on Dec 14, 2021

Question by Paresh - Dec 14, 2021Hindi

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I am 28 years old and I am investing in the below funds. I want to retire early, at around 50 years. Kindly let me know should I increase my SIP amount or make any other changes. All are growth. Total amount per month is Rs 27,000. Pls advise sir. Mutual Funds Amount Invested PGIM India Midcap Rs 2,000 Quant Multi Asset Rs 1,000 Tata Digital India Fund Rs 1,000 Axis Small Cap Fund Direct Rs 1,000 SBI Small Cap Fund Direct Rs 1,000 Nippon India Small Cap Rs 2,000 Axis Focused 25 Direct Rs 2,000 Aditya Birla Sun Life Digital India Rs 2,000 Aditya Birla Sun Life Equity Rs 2,000 ICICI Prudential Technology Direct Rs 2,000 Parag Parikh Long Term Rs 2,000 Mirae Asset Healthcare Rs 1,000 HDFC Pension Management Rs 2,000 Quant Active Fund Direct Rs 1,000 SBI Magnum Midcap Rs 1,000 Nippon India Pharma Rs 1,000 UTI Healthcare Fund Rs 1,000 UTI Flexi Cap Rs 2,000

Ans: There are too many funds; restrict yourself to 4 to 6 funds at the most.

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Question by RISHU - Apr 11, 2023Hindi

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Dear Sir, I have been investing 16000/- per month in Four Mutual Funds under SIP since last one year. Pls suggest whether i should continue with the below mentioned funds or to change to some other funds: 1.Kotak Emerging Equity Fund - Direct Plan - Growth - Equity- Diversified 2.Parag Parikh Flexi Cap Fund - Direct Plan - Growth - Equity - Diversified 3.Mirae Asset Tax Saver Fund - Direct Plan - Growth - Equity - ELSS 4.DSP Quant Fund - Direct Plan - Growth - Equity - Diversified Further I want to increase monthly SIP to total 25000/-. Pls suggest new funds which should i opt for generation of good corpus after 10 years.

Ans: Hello Rishu, thanks for writing to me. The funds you invest in are good funds. As you want to increase your investment by Rs.9,000 every month, you can consider beginning investments in:

1-Edelweiss NIFTY Quality 100 30 Index Fund: Rs.3,000 per month
2-SBI Focused Equity Fund: Rs.3,000 per month
3-Motilal Oswal Focused Fund: Rs.3,000 per month.

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Asked by Anonymous - Feb 19, 2024Hindi

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Hi, I am 38 years old and investing 10k per month in SIP's for the past 2 years. The funds include 1. Aditya Birla Sun Life Digital India Fund-1.5K 2. Bandhan Tax Advantage Fund-1K 3. Canara Robecco ELSS Tax Saver-1K 4. DSP ELSS Tax Saver-1K 5. ICICI Prudential Technology Fund-2K 6. Mirae Asset ELSS Tax Saver Fund-2K 7. Nippon India Small Cap Fund-1.5K I want to increase monthly SIP to 15k from April onwards. Let me know if the current portfolio is fine. Should I increase my contribution in the existing funds, or should I look out for newer ones

Ans: Increasing your SIP to 15k per month is a positive step towards boosting your investment portfolio. However, before making any changes, it's crucial to evaluate the performance of your current funds and assess whether they continue to align with your investment goals and risk tolerance.

Consider reviewing the performance of each fund, analyzing their holdings, and ensuring that your portfolio remains well-diversified across different sectors and market segments. Based on your analysis, you may choose to increase your contributions to some existing funds or explore adding new funds to further diversify your portfolio.

Consulting with a financial advisor can provide valuable insights and help you make informed decisions about adjusting your investment strategy to optimize returns and achieve your financial objectives effectively.

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Asked by Anonymous - Nov 06, 2025Hindi

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Respected Experts, My monthly mutual fund investments at the moment is Rs. 40000 (total SIP gradually increased over past years) which I have been doing for the last 7 and half years. I am 42 yr old. My total portfolio value till now is around Rs. 42,50,000. I want to create a corpus of around 2.5 Crore in the next 10 years. 1. HDFC Children's Gift Fund - (Lock-in) - Regular Plan - Rs. 10000. 2. ICICI Prudential Midcap Fund - Direct Growth - Rs. 5000 3. ICICI Prudential Multicap Fund - Growth - Rs. 2000 4. Axis Large Cap Fund - Regular Growth - Rs. 4500 5. Axis Focussed 25 Fund - Regular Growth - Rs. 2000 6. SBI Focussed Equity Fund - Regular Growth - Rs. 4500 7. Invesco India Small Cap Fund - Regular Growth - Rs. 5000 8. Edelweiss Multi Cap Fund - Regular Growth - Rs. 7000 I want to increase the SIP of around Rs. 10000 in my mutual funds now to make total SIP value of Rs. 50000. I am thinking about increasing Rs. 7000 in Axis Large Cap Fund (which will take its total Sip value to Rs. 11500) and Rs. 3000 in Axis Focussed Fund (which will take its total Sip value to Rs. 5000). Kindly suggest me following two points: 1) Possibility of creating a corpus of around 2.5 Crore in the next 10 years with these funds and what should be the right yearly increase in my SIP value. 2) Increasing of SIP of Rs. 7000 in Axis Large Cap Fund and Rs. 3000 in Axis Focussed Fund is right choice or should I increase in my other mutual funds. Your expert opinion will be appreciated.

Ans: Hi,

At the age of 42, you are headig in right direction. And I really appreciate your dedication in investing for past 7.5 years and creating an amazing corpus for yourself.
Currently you are investing 40k monthly in mutual funds and want to increase it to 50k per month which is a very good decision as step-up SIP can make a huge positive impact in your wealth creation.

- If you continue investing at this pace, with a monthly investment of 50k for next 10 years, you can easily achieve 2.5 crores with a CAGR of 13%. And if you step-up with 10% yearly investment, you can get more than 3 crores after 10 years.
- However the funds you mentioned are lil overlapping. It needs some minor re-allocation. You have 2 multi cap funds and 2 focused funds. You can keep one of both the funds.
- Increasing 10k SIP - Add 3500 to Axis Largecap (total 8000), 6500 in good Momentum fund.

As your portfolio size is quite big, it would be really better for you to work with a professional who reviews your portfolio periodically and changes it as per the requirement.
Hence a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

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DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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